| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN A KELLEHER3 | 525 ROUTE 73 NORTH STE 205 MARLTON, NJ 08053 | HARTFORD LIFE AND ACCIDENT | $22K | — | $22K | 13.05% |
| KEVIN A KELLEHER3 | 525 ROUTE 73 NORTH STE 205 MARLTON, NJ 08053 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 4.96% |
| KEVIN A KELLEHER3 | 525 ROUTE 73 NORTH STE 205 MARLTON, NJ 08053 | CIGNA DENTAL HEALTH OF CALIFORNIA INC | $545 | — | $545 | 5.00% |
| KEVIN A KELLEHER3 | 525 ROUTE 73 NORTH STE 205 MARLTON, NJ 08053 | CIGNA DENTAL HEALTH OF VIRGINIA | $137 | — | $137 | 5.01% |
| KEVIN A KELLEHER3 | 525 ROUTE 73 NORTH STE 205 MARLTON, NJ 08053 | CIGNA DENTAL HEALTH OF TEXAS INC | $30 | — | $30 | 5.07% |
| KEVIN A KELLEHER3 | 525 ROUTE 73 NORTH STE 205 MARLTON, NJ 08053 | CIGNA DENTAL HEALTH OF MARYLAND, INC | $21 | — | $21 | 5.01% |
| KEVIN A KELLEHER3 | 525 ROUTE 73 NORTH STE 205 MARLTON, NJ 08053 | CIGNA DENTAL HEALTH OF NEW JERSEY INC | $15 | — | $15 | 5.07% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 264 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(7 contracts, 7 carriers) | HARTFORD LIFE AND ACCIDENT | 264 | $324K |
| Vision(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 264 | $309K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 264 | $170K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 264 | $170K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 264 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.